The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory

Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, t...

Descripción completa

Guardado en:

Detalles Bibliográficos
Autores principales:	Abdul Bashiru Jibril, Michael Adu Kwarteng, Raphael Kwaku Botchway, Jürgen Bode, Miloslava Chovancova
Formato:	article
Lenguaje:	EN
Publicado:	Taylor & Francis Group 2020
Materias:	online identity theft e-banking transaction technology threat avoidance theory bank customers sub-saharan africa developing country ghana Business HF5001-6182 Management. Industrial management HD28-70
Acceso en línea:	https://doaj.org/article/36801c29512d49b2a1e8f0e4d7ceceef
Etiquetas:	Agregar Etiqueta Sin Etiquetas, Sea el primero en etiquetar este registro!

id	oai:doaj.org-article:36801c29512d49b2a1e8f0e4d7ceceef
record_format	dspace
spelling	oai:doaj.org-article:36801c29512d49b2a1e8f0e4d7ceceef2021-12-02T15:59:51ZThe impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory2331-197510.1080/23311975.2020.1832825https://doaj.org/article/36801c29512d49b2a1e8f0e4d7ceceef2020-01-01T00:00:00Zhttp://dx.doi.org/10.1080/23311975.2020.1832825https://doaj.org/toc/2331-1975Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, the factors associated with the former have not been explored and are still rudimentary in the literature. Drawing from the Technology Threat Avoidance Theory (TTAT), the study seeks to examine the impact of online identity theft on customers’ willingness to engage in e-banking transactions in Ghana. A quantitative survey of 393 valid responses from retail bank customers amongst two leading commercial banks in Ghana for the analyses. Results from the PLS-SEM showed that the research constructs; perceived online identity theft’ positively and significantly predict “fear of financial loss”, “fear of reputational damage”, and “security and privacy concern” whilst the former has a negative mediated-relationship between perceived online identity theft and the intention to engage in e-banking transaction. This study is the first of its kind that has extended the application of the TTAT framework into the study of e-banking transactions. The study serves as a practical tool that will enable the banks in their quest to assess customers’ restriction/aversion towards the use of Fintech while ensuring sustainable growth of e-banking transactions in an emerging economy context. The study is limited to only banking institutions in Ghana without considering other players in the financial sub-sector. Future research direction has been suggested in the concluding part of the paper.Abdul Bashiru JibrilMichael Adu KwartengRaphael Kwaku BotchwayJürgen BodeMiloslava ChovancovaTaylor & Francis Grouparticleonline identity thefte-banking transactiontechnology threat avoidance theorybank customerssub-saharan africadeveloping countryghanaBusinessHF5001-6182Management. Industrial managementHD28-70ENCogent Business & Management, Vol 7, Iss 1 (2020)
institution	DOAJ
collection	DOAJ
language	EN
topic	online identity theft e-banking transaction technology threat avoidance theory bank customers sub-saharan africa developing country ghana Business HF5001-6182 Management. Industrial management HD28-70
spellingShingle	online identity theft e-banking transaction technology threat avoidance theory bank customers sub-saharan africa developing country ghana Business HF5001-6182 Management. Industrial management HD28-70 Abdul Bashiru Jibril Michael Adu Kwarteng Raphael Kwaku Botchway Jürgen Bode Miloslava Chovancova The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory
description	Until recently, studies regarding e-banking transactions have focused more on motivational factors that trigger the intention to accept and use the e-banking transaction, rather than the de-motivational factors that propel the action. However, in the developing countries like Sub-Sahara economies, the factors associated with the former have not been explored and are still rudimentary in the literature. Drawing from the Technology Threat Avoidance Theory (TTAT), the study seeks to examine the impact of online identity theft on customers’ willingness to engage in e-banking transactions in Ghana. A quantitative survey of 393 valid responses from retail bank customers amongst two leading commercial banks in Ghana for the analyses. Results from the PLS-SEM showed that the research constructs; perceived online identity theft’ positively and significantly predict “fear of financial loss”, “fear of reputational damage”, and “security and privacy concern” whilst the former has a negative mediated-relationship between perceived online identity theft and the intention to engage in e-banking transaction. This study is the first of its kind that has extended the application of the TTAT framework into the study of e-banking transactions. The study serves as a practical tool that will enable the banks in their quest to assess customers’ restriction/aversion towards the use of Fintech while ensuring sustainable growth of e-banking transactions in an emerging economy context. The study is limited to only banking institutions in Ghana without considering other players in the financial sub-sector. Future research direction has been suggested in the concluding part of the paper.
format	article
author	Abdul Bashiru Jibril Michael Adu Kwarteng Raphael Kwaku Botchway Jürgen Bode Miloslava Chovancova
author_facet	Abdul Bashiru Jibril Michael Adu Kwarteng Raphael Kwaku Botchway Jürgen Bode Miloslava Chovancova
author_sort	Abdul Bashiru Jibril
title	The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory
title_short	The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory
title_full	The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory
title_fullStr	The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory
title_full_unstemmed	The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory
title_sort	impact of online identity theft on customers’ willingness to engage in e-banking transaction in ghana: a technology threat avoidance theory
publisher	Taylor & Francis Group
publishDate	2020
url	https://doaj.org/article/36801c29512d49b2a1e8f0e4d7ceceef
work_keys_str_mv	AT abdulbashirujibril theimpactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT michaeladukwarteng theimpactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT raphaelkwakubotchway theimpactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT jurgenbode theimpactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT miloslavachovancova theimpactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT abdulbashirujibril impactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT michaeladukwarteng impactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT raphaelkwakubotchway impactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT jurgenbode impactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory AT miloslavachovancova impactofonlineidentitytheftoncustomerswillingnesstoengageinebankingtransactioninghanaatechnologythreatavoidancetheory
_version_	1718385321563914240

The impact of online identity theft on customers’ willingness to engage in e-banking transaction in Ghana: A technology threat avoidance theory

Ejemplares similares